Lifestyle application platform

ABSTRACT

A lifestyle application platform receives consumer information from a user device associated with a consumer, where the consumer information includes preference, demographic, identity, relationship, transactional, and location information associated with the consumer. The lifestyle application platform creates a consumer profile for the consumer based on the consumer information, and receives enterprise information from an enterprise device associated with an enterprise, where the enterprise information includes consumer interaction, transaction, and wish list information associated with the enterprise. The lifestyle application platform performs an analysis of the consumer information and the enterprise information, and provides, to the user device, notifications, reports, and offers, associated with the enterprise and relevant to the consumer, based on the analysis.

RELATED APPLICATION

This application claims priority under 35 U.S.C. §119 based on U.S.Provisional Patent Application No. 61/581,916, filed Dec. 30, 2011, thedisclosure of which is incorporated by reference herein in its entirety.

BACKGROUND

Consumers today utilize a variety of devices, such as desktop computers,smart phones, tablet computers, etc., to access online services (e.g.,email applications, Internet services, television services, etc.),purchase products, services, and/or content online, and/or perform otheronline tasks. Information associated with the consumers (e.g., personalinformation, credit card numbers, etc.) may be shared with enterprises(e.g., businesses, government agencies, etc.) that provide suchproducts, services, and/or content so that the consumers can access andinteract with the enterprises in an efficient manner. However, manyconsumers do not permit such information to be shared with enterpriseseven when the enterprises may provide valuable products, services,and/or content to the consumers. One reason that consumers do not sharetheir information is the fear that the information may be used forimproper purposes, such as credit card theft, identity theft and fraudpurposes, etc.

Enterprises are constantly trying to find out as much about consumers aspossible so that such companies can market appropriate products,services, and/or content to the consumers. However, most enterprisesknow very little about the consumers of their products, services, and/orcontent. Until consumers permit their information to be readily sharedwith the enterprises, neither consumers nor the enterprises will benefitfrom the information.

Consumer concern about privacy (e.g., tracking, unexplained observationand aggregation of data, etc.) is high and may adversely impact manyenterprises. A baseline of clear protections for consumers providesgreater certainty for both consumers and enterprises. As envisioned,consumer rights may include individual control, transparency, respectfor context, security, access and accuracy, focused collection of data,and accountability. Consumers may have the right to exercise controlover what personal data enterprises collect from the consumers and howthe enterprises use the personal data. Consumers may also have the rightto expect that the personal data will be collected, used, and disclosedin ways that are consistent with a context in which the consumersprovide the personal data.

Context-aware computing is the concept of leveraging context informationabout a consumer (e.g., utilizing a variety of devices) to improve aquality of an interaction with an enterprise. Context-aware computingmay include a method by which new experiences are constructed that blendinformation from mobile, social, digital, and physical world sources.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a diagram of an overview of an example implementationdescribed herein;

FIG. 2 is a diagram of an example environment in which systems and/ormethods described herein may be implemented;

FIG. 3 is a diagram of example components of a device that maycorrespond to one of the devices of the environment depicted in FIG. 2;

FIG. 4 is a diagram of example operations capable of being performed byan example portion of the environment in FIG. 2;

FIG. 5 is a diagram of example bank operations capable of beingperformed by an example portion of the environment in FIG. 2;

FIG. 6 is a diagram of example dress store operations capable of beingperformed by an example portion of the environment in FIG. 2;

FIG. 7 is a diagram of example car dealer operations capable of beingperformed by an example portion of the environment in FIG. 2;

FIG. 8 is a diagram of example hotel operations capable of beingperformed by an example portion of the environment in FIG. 2;

FIG. 9 is a diagram of example functional components of a lifestyleapplication platform of FIG. 2;

FIG. 10 is a diagram of example functional components of a consumerportal component of the lifestyle application platform;

FIG. 11 is a diagram of example functional components of a consumerservices component of the lifestyle application platform;

FIG. 12 is a diagram of example functional components of an enterpriseportal component of the lifestyle application platform;

FIG. 13 is a diagram of example functional components of an enterpriseservices component of the lifestyle application platform;

FIG. 14 is a diagram of example functional components of an analyticscomponent of the lifestyle application platform;

FIG. 15 is a diagram of example functional components of a dataintegration component of the lifestyle application platform;

FIG. 16 is a diagram of example data that may be provided in a datasources component of the lifestyle application platform;

FIGS. 17 and 18 are flow charts of an example process for providing alifestyle application platform according to an implementation describedherein; and

FIGS. 19A-19H are diagrams of example user interfaces that may begenerated or provided by a user device of FIG. 2.

DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS

The following detailed description refers to the accompanying drawings.The same reference numbers in different drawings may identify the sameor similar elements.

Systems and/or methods described herein may provide a lifestyleapplication platform (e.g., a contextual information services platform)that links identity, mobile, social, location, payment, and commerceservices to anticipate a consumer's needs and to proactively recommendappropriate and customized products, services, and/or content to theconsumer. The lifestyle application platform may enable the enterprisesto deliver the right products, services, and/or content to consumers,may improve average revenue per unit (ARPU) for the enterprises, and maylower costs of consumer acquisition and retention. Consumers, via thelifestyle application platform, may obtain more control over theirpersonal information, may receive less unsolicited spam, and may beprovided with simple and safe access (e.g., via a single authenticationidentification (ID)) to their favorite brands of products, services,and/or content.

The lifestyle application platform may integrate several services, suchas, for example, identity services, mobile wallet services, marketingand analytics services, emerging strategic services, etc. The lifestyleapplication platform may provide, to consumers, a lifestyle application(app) (sometimes referred to as “Starfish”) that helps the consumers tolocate and interact with their favorite brands wherever and whenever theconsumers desire. The lifestyle application may link with online andphysical experiences of the consumers. The lifestyle application mayenable consumers to retain privacy, preferences, and control over theirinformation; to receive relevant offers; to pay on-the-go for products,services, and/or content; and to be rewarded for their interactions withand loyalty to particular brands. Through the lifestyle applicationplatform, the enterprises may grow, retain, and improve loyalty of theirconsumers, whether the consumers are on-line, mobile, or walking past astore.

FIG. 1 is a diagram of an overview of an example implementationdescribed herein. As shown, a first user device, a second user device, afirst enterprise device, a second enterprise device, and a lifestyleapplication platform may be interconnected. The first and second userdevices may include a smart phone, a mobile telephone, a tabletcomputer, a desktop computer, a workstation computer, or other types ofcomputation and communication devices. The first and second enterprisedevices may include one or more server devices, or other types ofcomputation and communication devices, that support products, services,and/or content provided by enterprises to consumers. The lifestyleapplication platform may include one or more server devices, or othertypes of computation and communication devices, that link identity,mobile, social, location, payment, and commerce services to anticipateconsumers' needs and to proactively recommend appropriate and customizedproducts, services, and/or content to the consumers.

As further shown in FIG. 1, the first user device may be associated witha first consumer, and may receive first consumer information from thefirst consumer. The first consumer information may include brandpreferences (e.g., for products, services, and/or content); demographicinformation (e.g., gender, race, age, etc.); identity information (e.g.,anonymous identity, pseudonymous identity, legal identity, etc.);relationship information (e.g., relationships with other consumers);etc. associated with the first consumer. The first user device may addinformation to the first consumer information, such as locationinformation (e.g., an Internet protocol (IP) address, global positionsystem (GPS) coordinates, etc.) and/or capability information (e.g., amake, model, etc.) associated with the first user device. The first userdevice may provide the first consumer information to the lifestyleapplication platform.

The second user device may be associated with a second consumer, and mayreceive second consumer information from the second consumer. The secondconsumer information may include brand preferences, demographicinformation, identity information, relationship information, etc.associated with the second consumer. The second user device may addinformation to the second consumer information, such as locationinformation and/or capability information associated with the seconduser device. The second user device may provide the second consumerinformation to the lifestyle application platform.

The lifestyle application platform may receive the first consumerinformation, and may create a first consumer profile and a singleauthentication ID for the first consumer based on the first consumerinformation. The single authentication ID may include a password, athumbprint, a voice command, a retinal scan, etc. associated with thefirst consumer. The lifestyle application platform may receive thesecond consumer information, and may create a second consumer profileand a single authentication ID for the second consumer based on thesecond consumer information. The single authentication ID may include apassword, a thumbprint, a voice command, a retinal scan, etc. associatedwith the second consumer.

The first enterprise device may be associated with a first enterprise(e.g., a business, an organization, a government agency, etc.), and mayprovide first enterprise information to the lifestyle applicationplatform. The first enterprise information may include offers forproducts, services, and/or content provided by the first enterprise;information associated with consumer interactions with the firstenterprise (e.g., consumer profiles, consumer information gathered bythe first enterprise, etc.); information associated with consumertransactions with the first enterprise; information associated withconsumer wish lists for products, services, and/or content provided bythe first enterprise; etc.

The second enterprise device may be associated with a second enterprise,and may provide second enterprise information to the lifestyleapplication platform. The second enterprise information may includeoffers for products, services, and/or content provided by the secondenterprise; information associated with consumer interactions with thesecond enterprise; information associated with consumer transactionswith the second enterprise; information associated with consumer wishlists for products, services, and/or content provided by the secondenterprise; etc.

The lifestyle application platform may receive the first consumerinformation, the second consumer information, the first enterpriseinformation, and the second enterprise information. The lifestyleapplication platform may analyze the received information, and maygenerate, from the first and second enterprise information,notifications, reports, offers, etc. for products, services, and/orcontent (e.g., provided by the first enterprise and/or the secondenterprise) relevant to the first consumer and/or the second consumerbased on the analysis. The lifestyle application platform may providethe notifications, reports, offers, etc. to the first user device and/orthe second user device, which may display the notifications, reports,offers, etc. to the first consumer and/or the second consumer,respectively.

The lifestyle application platform may generate, from the first andsecond consumer information, consumer information (e.g., consumerprofile data) relevant to the first enterprise and/or the secondenterprise based on the analysis. The lifestyle application platform mayprovide the relevant consumer information to the first enterprise deviceand/or the second enterprise device, which may display the relevantconsumer information to a user associated with the first enterpriseand/or a user associated with the second enterprise, respectively.

As used herein, the terms “consumer” and “user” may be usedinterchangeably. Also, the terms “consumer” and “user” are intended tobe broadly interpreted to include a user device, or a user of a userdevice. The term “enterprise,” as used herein, is intended to be broadlyinterpreted to include a business, an organization, a government agency,an enterprise device, a user of an enterprise device, etc.

A “product,” as the term is used herein, is to be broadly interpreted toinclude anything that may be marketed or sold as a commodity or a good.For example, a product may include bread, coffee, bottled water, milk,soft drinks, pet food, beer, fuel, meat, fruit, automobiles, clothing,etc.

A “service,” as the term is used herein, is to be broadly interpreted toinclude any act or variety of work done for others (e.g., forcompensation). For example, a service may include a repair service(e.g., for a product), a warranty (e.g., for a product),telecommunication services (e.g., telephone services, Internet services,network services, radio services, television services, video services,etc.), an automobile service (e.g., for selling automobiles), a foodservice (e.g., a restaurant), a banking service, a lodging service(e.g., a hotel), etc.

The term “content,” as used herein, is to be broadly interpreted toinclude video, audio, images, software downloads, and/or combinations ofvideo, audio, images, and software downloads.

The term “component,” as used herein, is to be broadly construed toinclude hardware (e.g., a processor, a microprocessor, anapplication-specific integrated circuit (ASIC), a field-programmablegate array (FPGA), a chip, a memory device (e.g., a read only memory(ROM), a random access memory (RAM), etc.), etc.) or a combination ofhardware and software (e.g., a processor, microprocessor, ASIC, etc.executing software contained in a memory device).

FIG. 2 is a diagram of an example environment 200 in which systemsand/or methods described herein may be implemented. As illustrated,environment 200 may include a user device 210, an enterprise device 220,and a lifestyle application platform 230 connected by a network 240. Thedevices and/or the network of environment 200 may interconnect via wiredand/or wireless connections.

User device 210 may include, for example, a radiotelephone; a personalcommunications system (PCS) terminal that may combine, for example, acellular radiotelephone with data processing and data communicationscapabilities; a smart phone; a personal digital assistant (PDA) that mayinclude, for example, one or more of a radiotelephone, a pager,Internet/intranet access, etc.; a laptop computer; a tablet computer; adesktop computer; a workstation computer; or other types of computationand communication devices. In one example, user device 210 may include adevice that is capable of communicating with enterprise device 220and/or lifestyle application platform 230 via network 240.

Enterprise device 220 may include one or more server devices, or othertypes of computation and communication devices, that gather, process,search, and/or provide information in a manner described herein. In oneexample implementation, enterprise device 220 may provide informationassociated with products, services, and/or content provided by anenterprise. For example, if the enterprise is a bank, enterprise device220 may provide online banking services that enable consumers to performtransactions (e.g., deposits, withdrawals, etc.) with the bank; mayprovide electronic bank statements to consumers; may provide offers forservices (e.g., loans, mortgages, etc.) to consumers; etc.

Lifestyle application platform 230 may include one or more serverdevices, or other types of computation and communication devices, thatgather, process, search, and/or provide information in a mannerdescribed herein. In one example implementation, lifestyle applicationplatform 230 may link identity, mobile, social, location, payment,commerce, etc. services to anticipate consumers' needs and toproactively recommend appropriate and customized products, services,and/or content to the consumers.

Network 240 may include a local area network (LAN), a wide area network(WAN), a metropolitan area network (MAN), a telephone network, such asthe Public Switched Telephone Network (PSTN), an intranet, the Internet,an optical fiber (or fiber optic) based network, or a combination ofnetworks. In one example implementation, network 240 may include anetwork that connects user device 210, enterprise device 220, andlifestyle application platform 230.

Although FIG. 2 shows example devices/networks of environment 200, inother implementations, environment 200 may include fewerdevices/networks, different devices/networks, differently arrangeddevices/networks, or additional devices/networks than depicted in FIG.2. Alternatively, or additionally, one or more devices/networks ofenvironment 200 may perform one or more other tasks described as beingperformed by one or more other devices/networks of environment 200.

FIG. 3 is a diagram of example components of a device 300 that maycorrespond to one or more devices of environment 200 (FIG. 2). In oneexample implementation, one or more of the devices of environment 200may include one or more devices 300 and/or one or more components ofdevice 300. As illustrated in FIG. 3, device 300 may include a bus 310,a processing unit 320, a memory 330, an input device 340, an outputdevice 350, and a communication interface 360.

Bus 310 may permit communication among the components of device 300.Processing unit 320 may include one or more processors and/ormicroprocessors that interpret and execute instructions. In otherimplementations, processing unit 320 may be implemented as or includeone or more ASICs, FPGAs, or the like.

Memory 330 may include a RAM or another type of dynamic storage devicethat stores information and instructions for execution by processingunit 320, a ROM or another type of static storage device that storesstatic information and instructions for the processing unit 320, and/orsome other type of magnetic or optical recording medium and acorresponding drive for storing information and/or instructions.

Input device 340 may include a device that permits an operator to inputinformation to device 300, such as a keyboard, a keypad, a mouse, a pen,a microphone, a touch screen display, one or more biometric mechanisms,or the like. Output device 350 may include a device that outputsinformation to the operator, such as a display, a speaker, etc.

Communication interface 360 may include any transceiver-like mechanismthat enables device 300 to communicate with other devices and/orsystems. For example, communication interface 360 may include mechanismsfor communicating with other devices, such as other devices ofenvironment 300.

As described herein, device 300 may perform certain operations inresponse to processing unit 320 executing software instructionscontained in a computer-readable medium, such as memory 330. Acomputer-readable medium may be defined as a non-transitory memorydevice. A memory device may include memory space within a singlephysical memory device or spread across multiple physical memorydevices. The software instructions may be read into memory 330 fromanother computer-readable medium or from another device viacommunication interface 360. The software instructions contained inmemory 330 may cause processing unit 320 to perform processes describedherein. Alternatively, or additionally, hardwired circuitry may be usedin place of or in combination with software instructions to implementprocesses described herein. Thus, implementations described herein arenot limited to any specific combination of hardware circuitry andsoftware.

Although FIG. 3 shows example components of device 300, in otherimplementations, device 300 may include fewer components, differentcomponents, differently arranged components, or additional componentsthan depicted in FIG. 3. Alternatively, or additionally, one or morecomponents of device 300 may perform one or more other tasks describedas being performed by one or more other components of device 300.

FIG. 4 is a diagram of example operations capable of being performed byan example portion 400 of environment 200 (FIG. 2). As shown,environment portion 400 may include user device 210, enterprise device220, and lifestyle application platform 230. User device 210, enterprisedevice 220, and lifestyle application platform 230 may include thefeatures described above in connection with, for example, one or more ofFIGS. 1-3.

A consumer may utilize user device 210 to connect to lifestyleapplication platform 230, and to download a lifestyle application fromlifestyle application platform 230. The lifestyle application may beinstalled on user device 210, and may enable user device 210 to accessand/or utilize the functionality provided by lifestyle applicationplatform 230. For example, the lifestyle application may enable theconsumer, via user device 210, to create, maintain, and/or update aconsumer profile that is stored by lifestyle application platform 230.The consumer profile may be automatically updated by lifestyleapplication platform 230 based on the consumer's interactions withenterprise devices 220 via lifestyle application platform 230. Theconsumer profile may enable lifestyle application platform 230 tointelligently link information provided by the consumer and enterprisesso that lifestyle application platform 230 may anticipate the consumer'sneeds and proactively recommend appropriate and customized products,services, and/or content to the consumer.

As further shown in FIG. 4, the consumer may provide consumerinformation 410 to user device 210. Consumer information 410 may includebrand preferences (e.g., for products, services, and/or content);demographic information (e.g., gender, race, age, etc.); identityinformation (e.g., anonymous identity, pseudonymous identity, legalidentity, etc.); relationship information (e.g., relationships withother consumers); etc. associated with the consumer. User device 210 mayadd information to consumer information 410, such as locationinformation (e.g., an IP address, GPS coordinates, etc.) and/orcapability information (e.g., a make, model, etc.) associated with userdevice 210.

Alternatively, or additionally, user device 210 may supplementinformation provided in consumer information 410. For example, userdevice 210 may supplement the relationship information by includinginformation associated with contacts of an address book stored on userdevice 210, consumer social network information, call logs information,messaging information, etc. in the relationship. User device 210 maysupplement the identity information by including consumer purchasehistory information stored on user device 210, browsing history storedon user device 210, social network IDs of the consumer stored on userdevice 210, consumer user names and/or passwords, content downloaded touser device 210, etc. in the identity information.

The anonymous identity information may include information that may notidentify the consumer. For example, the anonymous identity informationmay include a credit score associated with the consumer, a purchasehistory of the consumer, geo-location information associated with userdevice 210, a browsing history of the consumer, a propensity scoreassociated with the consumer, an influence score associated with theconsumer, etc. The pseudonymous identity information may includeinformation that partially identifies the consumer. For example, thepseudonymous identity information may include personal data identifiedby the consumer (e.g., age, home address, etc.); consumer profileinformation (e.g., created by lifestyle application platform 230);consumer preferences for particular products, services, and/or content;consumer purchase intentions (e.g., a price range for a product, aspecific type of product, etc.); social network IDs associated with theconsumer; personas associated with the consumer; etc. The legal identityinformation may include information that completely identifies theconsumer. For example, the legal identity information may include a fullname of the consumer, contact information of the consumer, an IP addressof user device 210, a driver's license number of the consumer, a socialsecurity number of the consumer, etc. The legal identity information mayor may not include other sensitive information of the consumer, such ascredit card numbers, medical information, account numbers, secretquestions, passwords, personal identification numbers (PINs), etc.associated with the consumer. The consumer may have control over theinformation provided in customer information 410, and may opt-in oropt-out of the relationship with lifestyle application platform 230 atany time.

In one example implementation, lifestyle application platform 230 mayenable the consumer to select a different type of identity information(e.g., anonymous, pseudonymous, or legal) to share with enterprises onan enterprise-by-enterprise basis, a transaction-by-transaction basis,each time user device 210 utilizes lifestyle application platform 230,etc. Further details of selecting different types of identityinformation are provided below in connection with, for example, FIGS.5-7. As further shown in FIG. 4, user device 210 may provide consumerinformation 410 to lifestyle application platform 230.

Lifestyle application platform 230 may receive consumer information 410,and may create a consumer profile and a single authentication ID for theconsumer based on consumer information 410. The single authentication IDmay include a password, a thumbprint, a voice command, a retinal scan,etc. associated with the consumer. Lifestyle application platform 230may enable user device 210 (e.g., via the lifestyle application) toaccess, view, and/or modify the consumer profile. The consumer mayaccess the consumer profile and/or the functionality of lifestyleapplication platform 230 by providing (e.g., via user device 210) thesingle authentication ID to lifestyle application platform 230.

In one example, lifestyle application platform 230 may utilize theconsumer's name, email address, telephone number, home address, etc.(e.g., provided in consumer information 410) to create the consumerprofile. Lifestyle application platform 230 may associate a uniqueidentifier (e.g., an alphabetical identifier, a numeric identifier, analphanumeric identifier, etc.) with the consumer profile. Lifestyleapplication platform 230 may then populate the consumer profile with thebrand preferences, enterprise preferences, relationship information,etc. provided by consumer information 410. Lifestyle applicationplatform 230 may credit an appropriate amount of money to an electronicwallet associated with the consumer profile, and may award appropriatebrand loyalty points (e.g., points that enable the consumer to receivebenefits from enterprises) to the consumer profile.

Enterprise device 220 may be associated with an enterprise, and mayprovide enterprise information 420 to lifestyle application platform230. Enterprise information 420 may include offers for products,services, and/or content provided by the enterprise; informationassociated with consumer interactions with the enterprise (e.g.,consumer profiles, consumer information gathered by the enterprise,etc.); information associated with consumer transactions with theenterprise; information associated with consumer wish lists forproducts, services, and/or content provided by the enterprise; etc.

Lifestyle application platform 230 may receive enterprise information420, and may analyze consumer information 410 and enterprise information420. In one example implementation, lifestyle application platform 230may compare consumer information 410 and enterprise information 420, andmay determine whether any portion of consumer information 410 matchesany portion of enterprise information 420. For example, if consumerinformation 410 indicates that the consumer is interested in aparticular product offered by the enterprise, lifestyle applicationplatform 230 may determine that information associated with theparticular product should be provided to the consumer. Alternatively, oradditionally, lifestyle application platform 230 may associate consumerinformation 410 with enterprise information 420 by comparing consumerinformation 410 with enterprise information 420. Lifestyle applicationplatform 230 may determine an appropriate product, service, and/orcontent to provide to the consumer based on the association of consumerinformation 410 with enterprise information 420.

Based on the analysis, lifestyle application platform 230 may generate,from enterprise information 420, enterprise information 430 (e.g.,notifications, reports, offers, etc. for products, services, and/orcontent provided by the enterprise) relevant to the consumer. Lifestyleapplication platform 230 may provide the relevant enterprise information430 to user device 210, and user device 210 may display the relevantenterprise information 430 to the consumer.

Based on the analysis, lifestyle application platform 230 may generate,from consumer information 410, consumer information 440 (e.g., consumerprofile data) relevant to the enterprise. Lifestyle application platform230 may provide the relevant consumer information 440 to enterprisedevice 220, and enterprise device 220 may display the relevant consumerinformation 440 to a user associated with the enterprise. Alternatively,or additionally, enterprise device 220 may share the relevant consumerinformation 440 with other enterprise devices 220, and/or may receiverelevant consumer information 440 from the other enterprise devices 220.

Although FIG. 4 shows example components of environment portion 400, inother implementations, environment portion 400 may include fewercomponents, different components, differently arranged components, oradditional components than depicted in FIG. 4. Additionally, oralternatively, one or more components of environment portion 400 mayperform one or more other tasks described as being performed by one ormore other components of environment portion 400.

FIG. 5 is a diagram of example bank operations capable of beingperformed by an example portion 500 of environment 200 (FIG. 2). Asshown, environment portion 500 may include user device 210, a bankenterprise device 220, and lifestyle application platform 230. Userdevice 210, bank enterprise device 220, and lifestyle applicationplatform 230 may include the features described above in connectionwith, for example, one or more of FIGS. 1-4.

In the example of FIG. 5, assume that a consumer associated with userdevice 210 has utilized the lifestyle application to select legalidentity information to share with a bank, associated with bankenterprise device 220, on a transaction-by-transaction basis. Thus, whenthe consumer (e.g., via user device 210) provides, to lifestyleapplication platform 230, a request 510 to move money from theconsumer's account at the bank, lifestyle application platform 230 mayretrieve legal identity information associated with the consumer. Forexample, lifestyle application platform 230 may retrieve, based onrequest 510, an account number, a name, a security code, and a socialsecurity number of the consumer, as indicated by reference number 520.Lifestyle application platform 230 may provide the account number, thename, the security code, and the social security number of the consumerto bank enterprise device 220.

Bank enterprise device 220 may determine whether the consumer isauthorized to access the account number and to perform request 510 basedon the information received from lifestyle application platform 230. Ifthe consumer is authorized to access the account number and to performrequest 510, bank enterprise device 220 may authenticate the consumer,and may provide, to lifestyle application platform 230, an indication530 that the consumer is authenticated. Lifestyle application platform230 may update the consumer profile based on receipt of indication 530(e.g., to show that the consumer is authenticated by the bank). Afterauthenticating the consumer, bank enterprise device 220 may perform theaction (e.g., move money) requested by request 510, and may provide, tolifestyle application platform 230, an indication 540 that the requestedaction was performed (e.g., the money was moved). Lifestyle applicationplatform 230 may receive indication 540, and may provide a confirmation550, that the money was moved, to user device 210. User device 210 maydisplay confirmation 550 to the consumer so that the consumer knows thatthe money was moved from the consumer's account at the bank.

Although FIG. 5 shows example components of environment portion 500, inother implementations, environment portion 500 may include fewercomponents, different components, differently arranged components, oradditional components than depicted in FIG. 5. Additionally, oralternatively, one or more components of environment portion 500 mayperform one or more other tasks described as being performed by one ormore other components of environment portion 500.

FIG. 6 is a diagram of example dress store operations capable of beingperformed by an example portion 600 of environment 200 (FIG. 2). Asshown, environment portion 600 may include two user devices 210, a dressstore enterprise device 220, and lifestyle application platform 230.User devices 210, dress store enterprise device 220, and lifestyleapplication platform 230 may include the features described above inconnection with, for example, one or more of FIGS. 1-5.

In the example of FIG. 6, assume that a wife associated with a firstuser device 210 has utilized the lifestyle application to selectpseudonymous identity information to share with a dress store,associated with dress store enterprise device 220. The wife may causethe first user device 210 to provide information 610, such as, thewife's favorite dress store, the wife's favorite dress colors, thewife's dress size, etc., to lifestyle application platform 230.Lifestyle application platform 230 may receive and store the wife'sinformation 610. However, the wife may not want anyone, besides thedress store, to know her actual dress size, so lifestyle applicationplatform 230 may identify the wife's actual dress size as pseudonymousidentity information that may be shared with the dress store but notwith anyone else. Lifestyle application platform 230 may provide thewife's information 610 to dress store enterprise device 220.

As further shown in FIG. 6, a husband associated with a second userdevice 210 may cause the second user device 210 to provide information620 to lifestyle application platform 230. In one example, the husband'sinformation 620 may include relationship information indicating that thehusband is married to the wife and that the husband may have access tocertain information associated with the wife; information (e.g., asingle authentication ID for the husband) that enables lifestyleapplication platform 230 to authenticate the husband; etc. The husbandmay cause the second user device 210 to provide, to lifestyleapplication platform 230, a request 630 to buy a dress for the wife.Lifestyle application platform 230 may receive the husband's information620 and request 630, and may authenticate the husband based on thehusband's information 620.

If lifestyle application platform 230 authenticates the husband,lifestyle application platform 230 may provide, to dress storeenterprise device 220, request 630 and an indication 640 that thehusband is authenticated. Dress store enterprise device 220 may receivethe wife's information 610, request 630, and indication 640, and mayprovide the wife's dress preferences 650 to lifestyle applicationplatform 230 based on the wife's information 610, request 630, and/orindication 640. The wife's dress preferences 650 may include the wife'sfavorite dress colors, the wife's dress size, the wife's favoritedresses, etc. Lifestyle application platform 230 may modify the wife'sdress preferences 650 to eliminate any information that the wife doesnot want other consumers to know. For example, lifestyle applicationplatform 230 may remove the wife's dress size from the wife's dresspreferences 650, and may provide the wife's dress preferences 650 (e.g.,without the wife's dress size) to the second user device 210.Alternatively, or additionally, the wife's dress preferences 650 may bestored by lifestyle application platform 230 (e.g., in a consumerprofile associated with the wife), and lifestyle application platform230 may provide the wife's dress preferences 650 directly to the seconduser device 210, without interacting with dress store enterprise device220.

The second user device 210 may display the wife's dress preferences 650to the husband, and the husband may select and purchase a particulardress for the wife, as indicated by reference number 660. The seconduser device 210 may provide information 660 associated with theparticular dress to lifestyle application platform 230, and lifestyleapplication platform 230 may provide information 660 to dress storeenterprise device 220. Dress store enterprise device 220 may completethe purchase of the particular dress in the wife's correct dress size.The dress store may provide the particular dress, in the wife's dresssize, to the wife, as indicated by reference number 670. Thus, thehusband may purchase a dress for the wife without even knowing thewife's dress size.

Although FIG. 6 shows example components of environment portion 600, inother implementations, environment portion 600 may include fewercomponents, different components, differently arranged components, oradditional components than depicted in FIG. 6. Additionally, oralternatively, one or more components of environment portion 600 mayperform one or more other tasks described as being performed by one ormore other components of environment portion 600.

FIG. 7 is a diagram of example car dealer operations capable of beingperformed by an example portion 700 of environment 200 (FIG. 2). Asshown, environment portion 700 may include user device 210, two cardealer enterprise devices 220, and lifestyle application platform 230.User device 210, car dealer enterprise devices 220, and lifestyleapplication platform 230 may include the features described above inconnection with, for example, one or more of FIGS. 1-6.

In the example of FIG. 7, assume that a consumer associated with userdevice 210 has utilized the lifestyle application to select anonymousidentity information to share with car dealers, associated with cardealer enterprise devices 220. Thus, when the consumer (e.g., via userdevice 210) provides, to lifestyle application platform 230, a wish list710 for a type of car within a price range, lifestyle applicationplatform 230 may retrieve anonymous identity information associated withthe consumer. For example, lifestyle application platform 230 maygenerate an anonymous request 720 based on wish list 710. Anonymousrequest 720 may include information that may not identify the consumer(e.g., a credit score associated with the consumer) and the informationprovided in wish list 710. Lifestyle application platform 230 mayprovide anonymous request 720 to one or more car dealer enterprisedevices 220. Thus, the consumer may attempt to locate the type of carwithin the price range without revealing the identity of the consumer.Such an arrangement may prevent user device 210 and the consumer fromreceiving unwanted solicitations from the car dealers.

Car dealer enterprise devices 220 may receive anonymous request 720, andthe car dealers may determine whether to respond to anonymous request720. For example, the first car dealer may not respond to anonymousrequest 720, as indicated by reference number 730, if the first cardealer does not have the requested car in the requested price range.However, the second car dealer may respond to anonymous request 720since the second car dealer may have the requested car in the requestedprice range. Accordingly, the second car dealer enterprise device 220-2may provide an offer 740 for the type of car to lifestyle applicationplatform 230. Lifestyle application platform 230 may provide offer 740to user device 210, and user device 210 may display offer 740 to theconsumer. If the consumer wishes to pursue offer 740, the consumer mayutilize user device 210 to interact with lifestyle application platform230 and/or the second car dealer enterprise device 220-2. Suchinteractions may include the consumer revealing further identityinformation (e.g., a name, an address, etc.) so that the consumer maycomplete the transaction.

Although FIG. 7 shows example components of environment portion 700, inother implementations, environment portion 700 may include fewercomponents, different components, differently arranged components, oradditional components than depicted in FIG. 7. Additionally, oralternatively, one or more components of environment portion 700 mayperform one or more other tasks described as being performed by one ormore other components of environment portion 700.

FIG. 8 is a diagram of example hotel operations capable of beingperformed by an example portion 800 of environment 200 (FIG. 2). Asshown, environment portion 800 may include user device 210, a hotelenterprise device 220, and lifestyle application platform 230. Userdevice 210, hotel enterprise device 220, and lifestyle applicationplatform 230 may include the features described above in connectionwith, for example, one or more of FIGS. 1-7.

With reference to FIG. 8, a consumer associated with user device 210 mayarrive at an airport, and may enter a taxi at the airport. The consumermay be taking the taxi to a hotel where the consumer previously booked areservation via the lifestyle application. When the taxi approaches thehotel (e.g., within a certain number of miles), user device 210 mayprovide location information 810 (e.g., indicating that the consumer isnear the hotel) to lifestyle application platform 230. Alternatively, oradditionally, user device 210 may continuously provide locationinformation 810 associated with user device 210 to lifestyle applicationplatform 230. Lifestyle application platform 230 may receive locationinformation 810, and may determine that the consumer is near the hotelbased on location information 810.

When lifestyle application platform 230 determines that the consumer isnear the hotel, lifestyle application platform 230 may provide anotification 820 to user device 210, and user device 210 may displaynotification 820 to the consumer. As shown in FIG. 8, notification 820may include information querying whether the consumer wants to checkinto the hotel. If the consumer selects “Yes” to notification 820, userdevice 210 may provide, to lifestyle application platform 230, a request830 to check into the hotel. Based on request 830, lifestyle applicationplatform 230 may locate the consumer's hotel reservation information(e.g., stored in the lifestyle application platform 230), and mayprovide a check in request 840 to hotel enterprise device 220 based onthe hotel reservation information. Check in request 840 may include theconsumer's hotel reservation information.

Hotel enterprise device 220 may receive check in request 840, and mayprovide a check in confirmation 850 to lifestyle application platform230 based on check in request 840. Check in confirmation 850 may includea request for authentication of the consumer, an electronic hotel roomkey, a hotel room number, etc. Lifestyle application platform 230 mayprovide check in confirmation 850 to user device 210, and user device210 may display check in confirmation 850 to the consumer. The consumermay further utilize user device 210 to interact with lifestyleapplication platform 230 and hotel enterprise device 220 so that theconsumer may complete checking into the hotel.

Although FIG. 8 shows example components of environment portion 800, inother implementations, environment portion 800 may include fewercomponents, different components, differently arranged components, oradditional components than depicted in FIG. 8. Additionally, oralternatively, one or more components of environment portion 800 mayperform one or more other tasks described as being performed by one ormore other components of environment portion 800.

FIG. 9 is a diagram of example functional components of lifestyleapplication platform 230. In one implementation, the functions describedin connection with FIG. 9 may be performed by one or more components ofdevice 300 (FIG. 3) or by one or more devices 300. As shown in FIG. 9,lifestyle application platform 230 may include a consumer portalcomponent 900, a consumer services component 910, an enterprise portalcomponent 920, an enterprise services component 930, an analyticscomponent 940, a data management component 950, a data integrationcomponent 960, a data sources component 970, and an application/systemintegration component 980.

Consumer portal component 900 may provide consumers (e.g., via userdevices 210) with access to lifestyle application platform 230. In oneexample, consumer portal component 900 may provide a consumer interface(e.g., a consumer dashboard) that may be accessible via the lifestyleapplication provided on a user device 210, a web browser, etc. Theconsumer interface may trigger events when the consumer interacts withvarious technologies available to user device 210 (e.g., near fieldcommunication (NFC), GPS, etc.); may support a customized dashboard forthe consumer; and may permit the consumer to contact another consumer(e.g., in a social group) directly through lifestyle applicationplatform 230, via short message service (SMS), via a phone call, etc. Inone example, the consumer interface may include a consumer profilecontrol panel and a consumer relationship control panel that providefull functionality of lifestyle application platform 230 to consumersthat have been authenticated.

Consumer portal component 900 may provide identity-related functions,such as consumer registration, consumer identity proofing, credentialissuance to the consumer, authentication of the consumer, etc. Consumerportal component 900 may interface with a variety of accesstechnologies, such as NFC, SMS, unstructured supplementary service data(USSD), web portal, mobile application, active radio-frequencyidentification (RFID), geo-location, digital signs, quick response (QR)codes, interactive voice response (IVR), etc. Consumer portal component900 may support open application programming interfaces (APIs), and maysupport trusted service manager (TSM) capabilities for over the air(OTA) download and management of subscriber identity module (SIM)applications on mobile devices. Consumer portal component 900 maycapture the consumer's geo-location via various technologies, such asGPS, WiFi, IP address, cellular tower, femtocell, etc.

Consumer portal component 900 may provide consumer login andauthentication functionality. For example, consumer portal component 900may not require login authentication for all consumer activities withinlifestyle application platform 230. If an activity requires a consumerto login to perform the activity, consumer portal component 900 maypresent an authentication challenge to the consumer. When a consumersuccessfully completes the authentication challenge, consumer portalcomponent 900 may return the consumer to the activity that prompted theneed for login. Consumer portal component 900 may support a strong,two-factor authentication as a default for a consumer to accessrestricted activities. Consumer portal component 900 may support a websingle sign on (SSO) authentication for accessing enterprise devices220.

Consumer services component 910 may provide consumer services offered bylifestyle application platform 230. For example, consumer servicescomponent 910 may provide profile management services, relationshipmanagement services, identity tracking services, offer services, loyaltyservices, payment services, web SSO services, etc. The profilemanagement services may enable a consumer to create, review, and/or edita profile associated with the consumer. The relationship managementservices may enable a consumer to set preferences for and managepreferred brands of the consumer; offers for products, services, and/orcontent provided by enterprises; loyalty programs provided byenterprises; and consumer digital payment services. The identitytracking services may enable a consumer to receive alerts regardingpotential identity theft, and to receive reports on how their identityhas been used. The offer services may enable a consumer to manage offers(e.g., coupons, referrals, etc.) for products, services, and/or contentprovided by enterprises. The loyalty services may enable a consumer tomanage loyalty programs provided by enterprises. The payment servicesmay enable a consumer to manage digital payment services offered to theconsumer. The web SSO services may enable the consumer to manageconsumer access to enterprise devices 220.

Enterprise portal component 920 may provide enterprises (e.g., viaenterprise devices 220) with access to lifestyle application platform230. In one example, enterprise portal component 920 may provide anenterprise interface (e.g., an enterprise dashboard) that may beaccessible by enterprise device 220 via a secure web browser or someother mechanism. Enterprise portal component 920 may support role-basedaccess for various enterprise user roles, such as an enterprise securityadministrator, an enterprise marketing administrator, an enterpriseapproving authority, an enterprise coordinator, an enterprise help desk,etc. At initial login, enterprise portal component 920 may present anenterprise user with an authentication challenge. Upon successfullycompleting the authentication challenge, the enterprise user may haveaccess to the enterprise interface. Enterprise portal component 920 maya support strong, two-factor authentication as a default for anenterprise user to access the enterprise interface.

Enterprise services component 930 may provide enterprise servicesoffered by lifestyle application platform 230. For example, enterpriseservices component 930 may provide enterprise payment services, dataexchange and processing services, profile procurement services,enterprise database maintenance services, coupon management services,referral management services, loyalty program management services,preference-based targeting tools, transaction-based consumer valueforecasting, fraud prevention, etc. The enterprise payment services mayenable an enterprise to manage payments to or from partner enterprises.The data exchange and processing services may enable an enterprise toschedule and manage data processing activities. The profile procurementservices may enable an enterprise to procure consumer profileinformation from partner enterprises. The enterprise databasemaintenance services may enable an enterprise to manage and updateinternal database attributes. The coupon management services may enablean enterprise to create, manage, delete, etc. one or more coupons forconsumers. The referral management services may enable an enterprise tomanage referral partnerships with partner enterprises. The loyaltyprogram management services may enable an enterprise to manage loyaltyprograms provided to consumers. The preference-based targeting tools mayenable an enterprise to manage consumer targeting services. Thetransaction-based consumer value forecasting may enable an enterprise tospecify market analytics report parameters and request market analyticsreports. Fraud prevention may enable an enterprise to set securitypreferences for enterprise partners.

Analytics component 940 may enable lifestyle application platform 230 toanalyze, data mine, model, segment, etc. data (e.g., consumerinformation 410 and/or enterprise information 420, FIG. 4). Analyticscomponent 940 may create calculations, algorithms, etc. used by dataintegration component 960. Analytics component 940 may utilize theanalytically-produced data to provide reports, interfaces, etc. used byconsumer portal component 900 and/or enterprise portal component 920.

Data management component 950 may receive and store data for lifestyleapplication platform 230. The data may include internal data (e.g.,consumer information 410 and/or enterprise information 420, FIG. 4) andexternal data. The external data may be provided by third parties tolifestyle application platform 230 and may include marketing reports,consumer information, sales reports for products, services, and/orcontent, etc. In one example, data management component 950 may storethe data in a data warehouse or some other type of data structure.

Data integration component 960 may manage integration of data stored bylifestyle application platform 230 in data sources component 970. In oneexample, data integration component 960 may manage the integration ofdata across data sources, databases, etc. by applying rules and/orprocesses to ensure that the data is processed correctly. Dataintegration component 960 may integrate the data by converting the datato metadata, enriching the data, transforming the data, aggregating thedata, performing ETL (extracting, transforming, and loading) on thedata, cleansing the data, validating the data, harmonizing the data,etc.

Data sources component 970 may store data received by lifestyleapplication platform 230. In one example, data sources component 970 maystore internal data and external data. The internal data may includeconsumer profiles, consumer transactions information, universal identityservices (UIS) information, usage information associated with thelifestyle application, information associated with web usage by userdevices 210, information associated with usage of user devices 210, etc.The external data may include enterprise profile information, consumerloyalty profiles, third party source data, etc.

Application/system integration component 980 may provide functionalityto lifestyle application platform 230 and may control capabilities oflifestyle application platform 230. Application/system integrationcomponent 980 may provide web services and tools that leveragefunctionality and data stored in systems outside of lifestyleapplication platform 230. In one example, application/system integrationcomponent 980 may provide a rules-oriented infrastructure of policiesand business rules that govern how enterprises interact with each other.Application/system integration component 980 may create, update, andmanage enterprise information, enterprise profiles, enterprise accounts,etc. Application/system integration component 980 may create, update,and manage programs, such as coupon services, referral services, loyaltyprogram services, digital payment services, etc.

Although FIG. 9 shows example functional components of lifestyleapplication platform 230, in other implementations, lifestyleapplication platform 230 may include fewer functional components,different functional components, differently arranged functionalcomponents, or additional functional components than depicted in FIG. 9.Additionally, or alternatively, one or more functional components oflifestyle application platform 230 may perform one or more other tasksdescribed as being performed by one or more other functional componentsof lifestyle application platform 230.

FIG. 10 is a diagram of example functional components of consumer portalcomponent 900 (FIG. 9). In one implementation, the functions describedin connection with FIG. 10 may be performed by one or more components ofdevice 300 (FIG. 3) or by one or more devices 300. As shown in FIG. 10,consumer portal component 900 may include a profile control panelcomponent 1000 and a relationship control panel component 1010.

Profile control panel component 1000 may support creation of consumerprofiles via consumer manual entry of profile data (e.g., with userdevice 210), enterprise devices 220 bulk loading of multiple consumerprofiles, lifestyle application platform 230 bulk loading of multipleconsumer profiles, etc. Profile control panel component 1000 may enablea consumer to review and/or edit profile data, and may enforce rules forwhich profile data fields are required and optional. Profile controlpanel component 1000 may enable a consumer to confirm and submit profiledata, and may return error messages to the consumer when fields areinappropriately populated or incomplete. Profile control panel component1000 may send consumer profile data to UIS so that the UIS may create orappend a UIS profile for enrollment and credentialing.

In one example, profile control panel component 1000 may provide aprivacy management service to a consumer. The privacy management servicemay support a privacy setting matrix with respect to data defined bydata usage, data type, whether a consumer has the option toopt-in/opt-out, etc. The privacy matrix may define a data framework towhich business rules may be applied. The privacy management service mayinclude default privacy settings as defined by lifestyle applicationplatform 230, and may not permit a consumer to set privacy settingsuntil after the consumer profile is created. The privacy managementservice may enable a consumer to prohibit use of qualifying data types.The data usage activities may include utilizing consumer profile datafor telemarketing, marketing emails, marketing postal mail, onlineadvertising, wireless location services, geographic and relevant mobileadvertising, business and marketing reports, etc. The data types mayinclude anonymous, aggregate, pseudonymous, personally identifiable,sensitive, etc. data types.

The privacy management service may enable a consumer to select a method(e.g. email, text message, intra-system communications, etc.) by whichlifestyle communication platform 230 communicates information toconsumer. The privacy management service may enable a consumer to saveprivacy settings as a privacy template, and/or to make a singleselection from multiple pre-defined privacy templates.

Relationship control panel component 1010 may enable a consumer tocreate, edit, and manage relationships with enterprises and/or otherconsumers. Relationship control panel component 1010 may enable aconsumer to control and set preferences for program management services,offer services, loyalty services, digital payment services, etc.provided by lifestyle application platform 230. Lifestyle applicationplatform 230 may prioritize marketing channel settings in therelationship control panel component 1010 over global privacy settingsin profile control panel component 1000 if a change to the settings hasbeen confirmed. Relationship control panel component 1010 may enable aconsumer to order a product, a service, and/or content, and may tietogether a stream of operations in a way that appears as one seamlesstransaction to the consumer, such as placing an order, redeeming anapplicable offer, making a payment, receiving a loyalty program rewardcredit, etc.

In one example, relationship control panel component 1010 may supportprogram management services. The program management services may enablea consumer to view and set preference or “like” settings associated withenterprises, product/service brands, product/service types, data usage,contact frequency, access method (e.g., anonymous access, web SSO,etc.), etc. Lifestyle application platform 230 may import consumertransactional data from enterprises and other third party data sourcesto pre-populate the program management preference settings not providedby the consumer. The program management service may enable a consumer tospecify how the consumer's preferences are populated within lifestyleapplication platform 230 (e.g., via manual entry, import from a thirdparty source, based on transactional behavior within lifestyleapplication platform 230, etc.).

The program management service may enable a consumer to associate otherconsumers into a social group, and may enable the consumer to definetheir relationship categories for the other consumers in the socialgroup (e.g., as acquaintances, friends, family members, colleagues, aspouse, etc.). The program management service may import or retrieverelationship categories from sources outside lifestyle applicationplatform 230, such as from a user device 210 operating system, thirdparty applications, third party social media, etc. The programmanagement service may enable a consumer to define sharing rights for arelationship category, and may store preference settings for the otherconsumers in the social group. The program management service mayprovide the preference settings for the other consumers in the socialgroup to enterprises, and may provide the preference settings for otherconsumers in the social group to another consumer. The programmanagement service may enable a consumer to exchange preferences withinthe social group remotely, via physical interaction, etc.

Although FIG. 10 shows example functional components of consumer portalcomponent 900, in other implementations, consumer portal component 900may include fewer functional components, different functionalcomponents, differently arranged functional components, or additionalfunctional components than depicted in FIG. 10. Additionally, oralternatively, one or more functional components of consumer portalcomponent 900 may perform one or more other tasks described as beingperformed by one or more other functional components of consumer portalcomponent 900.

FIG. 11 is a diagram of example functional components of consumerservices component 910. In one implementation, the functions describedin connection with FIG. 11 may be performed by one or more components ofdevice 300 (FIG. 3) or by one or more devices 300. As shown in FIG. 11,consumer services component 910 may include a profile managementcomponent 1100, a relationship management component 1110, an identitytracking component 1120, an offers component 1130, a loyalty component1140, a payment component 1150, and a web SSO component 1160.

Profile management component 1100 may enable lifestyle applicationplatform 230 to provide consumer profile management services toconsumers. Profile management component 1100 may enable consumers tocreate consumer profiles via consumer manual entry of profile data(e.g., with user device 210), enterprise devices 220 bulk loading ofmultiple consumer profiles, lifestyle application platform 230 bulkloading of multiple consumer profiles, etc. Profile management component1100 may enable a consumer to review and/or edit profile data, and mayenforce rules for which profile data fields are required and optional.Profile management component 1100 may enable a consumer to confirm andsubmit profile data, and may return error messages to the consumer whenfields are inappropriately populated or incomplete. Profile managementcomponent 1100 may send consumer profile data to a UIS so that the UISmay create or append a UIS profile for enrollment and credentialing.

Relationship management component 1110 may enable a consumer to create,edit, and manage relationships with enterprises and/or other consumers.Relationship management component 1110 may enable a consumer to controland set preferences for program management services, offer services,loyalty services, digital payment services, etc. provided by lifestyleapplication platform 230. Relationship management component 1110 mayprovide program management services described above. For example, theprogram management services may enable a consumer to view and setpreference settings associated with enterprises, product/service brands,product/service types, data usage, contact frequency, access method(e.g., anonymous access, Web SSO, etc.), etc.

Identity tracking component 1120 may send alerts to a consumer via theconsumer's preset communication channels. The alerts may alert theconsumer about a potential compromise of the consumer's identity basedon triggers from the UIS. Identity tracking component 1120 may provideconsumer account monitoring, and may provide a composite, activity-basedview of account usage. Identity tracking component 1120 may provide aninterface for a consumer to specify and receive reports on how theconsumer's identity has been used.

Offers component 1130 may enable a consumer to manage offers, such ascoupons, referrals, future offer-based program types, etc. A coupon mayinclude an offer name, an offer description, an offer code, an offerworkflow, a product, a service, an automatically-enrolled new consumer,a number of offers on enroll, a maximum number of offers, timing of theoffer, a location of the offer, etc. Offers component 1130 may enable aconsumer to search offers, sort offers, and/or set interface preferencesregarding how the consumer searches, sorts, and interacts with offers.Offers component 1130 may enable a consumer to automatically redeem anoffer based on consumer-defined qualifications, and may support dynamic,manual redemption of offers, at a time of a transaction.

Loyalty component 1140 may enable a consumer to set preference settingsfor loyalty programs with enterprises. The preference settings mayinclude method of contact (e.g., email, mail, telemarketing, textmessage, etc.), contact frequency, authentication method, etc. Lifestyleapplication platform 230 may import loyalty programs information (e.g.,from enterprises and/or third parties), for a specific consumer, intoloyalty component 1140. Loyalty component 1140 may enable a consumer tospecify qualifications by which stored loyalty rewards points are used,such as by product category, brand, enterprise, location, offerattributes, price, cumulative savings, manual/automated selection, etc.Loyalty component 1140 may enable a consumer to search loyalty programinformation, sort loyalty program information, and/or set interfacepreferences regarding how the consumer searches, sorts, and interactswith loyalty programs.

Loyalty component 1140 may enable a consumer to redeem loyalty rewardspoints automatically based on consumer-defined qualifications, and maysupport dynamic, manual redemption of loyalty rewards points, at a timeof a transaction. Loyalty component 1140 may enable enterprises tocommunicate, to consumer loyalty program members, warranties, rebates,recall notices, surveys, product registrations, reviews, etc. Loyaltycomponent 1140 may communicate with outside institutions to capturepayment transactions by a consumer and to credit rewards to theconsumer. Loyalty component 1140 may award loyalty rewards to consumersbased on non-purchase transactions.

Payment component 1150 may import consumer payment information, such ascredit card information, debit card information, coupon information,voucher information, etc. Payment component 1150 may performpre-authorization functions for digital payment transactions, and mayenable a consumer to make a hybrid payment from digital payment, offers,and loyalty program rewards points based on consumer-definedqualifications. Upon completion of a payment, payment component 1150 mayremove an offer from a consumer's offers service, debit a consumer'sloyalty program rewards account, debit a consumer's digital paymentaccount, etc. Payment component 1150 may enable a consumer to specifyqualifications by which payment methods are used, such as by productcategory, brand, enterprise, location, offer attributes, price,cumulative savings, manual/automated selection, hybrid payments, etc.

Payment component 1150 may capture a payment account transaction, forall purchases, in the form of a digital equivalent of a receipt, and mayenable an enterprise to attach an offer to a digital receipt. Paymentcomponent 1150 may enable a consumer to search payment accounttransactions, sort payment account transactions, and/or set interfacepreferences regarding how the consumer searches, sorts, and interactswith payment method accounts. Payment component 1150 may enable aconsumer to make payments via specified payment methods based onconsumer-defined qualifications, and may support dynamic, manualselection of a payment method, at a time of a transaction.

Payment component 1150 may enable a consumer to replenish an accountbalance (e.g., via funds from an account outside lifestyle applicationplatform 230), debit an account balance (e.g., return funds to anaccount outside lifestyle application platform 230), and/or request arefund from an enterprise. Payment component 1150 may advise a consumeron the success or failure of a payment, and may provide an e-commercedata conduit with a financial institution (e.g. a bank, a credit cardprovider, etc.) that shares consumer e-payment data. Payment component1150 may store a real-time transaction linkage to an institution withup-to-date balance information.

Web SSO component 1160 may enable a consumer to access enterprisedevices 220 via web SSO, one-time SSO, anonymous access, etc. Web SSOcomponent 1160 may provide consumer access to enterprise devices 220 atan authentication level specified by an enterprise or by the consumerfor the enterprise. With regard to web SSO, web SSO component 1160 mayprovide a consumer with web SSO access to enterprise devices 220 ifspecifically allowed by the enterprise. The consumer, when accessingenterprise devices 220 via web SSO access, may be authenticated andrecognized by enterprise devices 220. With regard to one-time SSO, webSSO component 1160 may request a consumer to confirm one-time SSO whenaccessing enterprise devices 220. Web SSO component 1160 may permitone-time SSO access to enterprise devices 220 if specifically allowed bythe enterprise. The consumer, when accessing enterprise devices 220 viaone-time SSO access, may be authenticated and recognized by enterprisedevices 220. Web SSO component 1160 may redirect a consumer, when usinganonymous access to enterprise devices 220, to a public landing pageprovided by enterprise devices 220.

Although FIG. 11 shows example functional components of consumerservices component 910, in other implementations, consumer servicescomponent 910 may include fewer functional components, differentfunctional components, differently arranged functional components, oradditional functional components than depicted in FIG. 11. Additionally,or alternatively, one or more functional components of consumer servicescomponent 910 may perform one or more other tasks described as beingperformed by one or more other functional components of consumerservices component 910.

FIG. 12 is a diagram of example functional components of enterpriseportal component 920 of lifestyle application platform 230 (FIG. 2). Inone implementation, the functions described in connection with FIG. 12may be performed by one or more components of device 300 (FIG. 3) or byone or more devices 300. As shown in FIG. 12, enterprise portalcomponent 920 may include an enterprise settings control panel component1200, an enterprise payment control panel component 1210, an enterpriseprofile control panel component 1220, an enterprise campaign controlpanel component 1230, an enterprise marketing analytics control panelcomponent 1240, an enterprise help desk control panel component 1250,and an enterprise security control panel component 1260.

Enterprise settings control panel component 1200 may enable anenterprise to restrict/enable data exchange with another enterprise, anddefine and manage the enterprise's locations, the enterprise'sassociation with offer/loyalty programs, the enterprise's customerassociation with the offer/loyalty programs, etc. Enterprise settingscontrol panel component 1200 may enable an enterprise to restrict orenable data sharing privileges with another enterprise, and may providerestricted data element sharing between enterprises for profileprocurement, referral, analytics, etc. exchanges. Enterprise settingscontrol panel component 1200 may enable an enterprise to define one ormultiple enterprise locations that may interact with consumers, and toretrieve enterprise locations, update enterprise locations, deleteenterprise locations, etc.

Enterprise settings control panel component 1200 may enable anenterprise to define one or more programs, retrieve programs, updateprograms, etc. The programs may include coupon services, loyalty programservices, referral services, digital payment services, etc. Enterprisesettings control panel component 1200 may enable an enterprise toassociate the enterprise with one or more programs, retrieve theassociated programs, create associated programs, delete associatedprograms, etc. Enterprise settings control panel component 1200 mayenable an enterprise to associate one or more consumers with a program(e.g., subject to the consumer's approval), retrieve the associatedconsumer programs, create associated consumer programs, deleteassociated consumer programs, etc.

Enterprise settings control panel component 1200 may enable anenterprise to define one or more workflows that dictate how an actionwithin lifestyle application platform 230 is triggered by an event.Enterprise settings control panel component 1200 may enable anenterprise to retrieve workflows, update workflows, obtainspecifications for workflows, update the specifications for workflows,etc. Enterprise settings control panel component 1200 may enable anenterprise to define settings that require confirmation of theenterprise for certain marketing activities. The marketing activitiesmay include profile procurement requests, profile procurement requestacceptance, coupon publication approval, referral requests, referralrequest acceptance, loyalty program publication approval, etc.Enterprise settings control panel component 1200 may enable anenterprise to customize and limit the enterprise dashboardfunctionality.

Enterprise payment control panel component 1210 may enable an enterpriseto replenish the enterprise's accounts balance; debit the enterprise'saccounts balance; view, search, and sort the enterprise's payments; setinterface settings; request a refund for a payment; track collectionstatus of marketing exchange fees; etc. Enterprise payment control panelcomponent 1210 may enable various payment methods (e.g., credit card,debit card, automated clearing house (ACH) transactions, etc.) to beimported for an enterprise, and may enable an enterprise to replenishthe enterprise's account balance (e.g., via funds from an accountoutside of lifestyle application platform 230). Enterprise paymentcontrol panel component 1210 may enable an enterprise to debit theenterprise's account balance (e.g., returning funds to an accountoutside of lifestyle application platform 230), and may capture apayment account transaction, for all purchases, in the form of a digitalequivalent of a receipt.

Enterprise payment control panel component 1210 may enable an enterpriseto search payment account transactions, sort payment accounttransactions, set interface preferences regarding how the enterprisesearches, sorts, and interacts with payment method accounts, etc.Enterprise payment control panel component 1210 may enable an enterpriseto request a refund from lifestyle application platform 230, and maynotify an enterprise about a success or a failure of a payment.Enterprise payment control panel component 1210 may provide ane-commerce data conduit with a financial institution (e.g. a bank, acredit card provider, etc.) that shares an enterprise's e-payment data.Enterprise payment control panel component 1210 may provide a method fortracking all agreed upon fees for consumer data record exchange, as wellas a collection status of those fees.

Enterprise profile control panel component 1220 may provide role-basedaccess and operation rights for an enterprise to data exchange andprocessing services, profile procurement services, enterprise databasemaintenance services, etc. Enterprise profile control panel component1220 may compile a list of consumer data records based on data elementcriteria and selectivity, may differentiate between opt-in and opt-outconsumer data records, and may suppress or select those records asspecified by particular rules. Enterprise profile control panelcomponent 1220 may suppress records for marketing campaigns that do notmeet a consumer's frequency preferences, and may support receipt of datafiles from third party sources (e.g., enterprise partners, governmentagencies, etc.).

Enterprise campaign control panel component 1230 may provide role-basedaccess and operations rights for an enterprise to coupon managementservices, referral management services, loyalty program managementservices, etc. Enterprise campaign control panel component 1230 mayidentify real-time, transaction-based parses from a transaction log fileas a basis for triggering a marketing program based on coupons,referrals, loyalty program management, future marketing effort-basedprograms, marketing efforts on enterprise devices 220, marketing effortsfrom third party systems, etc. Enterprise campaign control panelcomponent 1230 may relay real-time transaction-based triggers from thetransaction log file to enterprise device 220.

Enterprise campaign control panel component 1230 may create marketingprograms that rely upon real-time transactional data exchange withenterprise device 220 immediately after a purchase so that associatedproduct offerings may be conveyed to a consumer. Enterprise campaigncontrol panel component 1230 may create geo-location based marketingprograms that provide geographically targeted marketing efforts basedupon consumer proximity to an enterprise location. Enterprise campaigncontrol panel component 1230 may create marketing programs that rely onproviding related suggestions while a consumer is searching for productsand offers.

Enterprise marketing analytics control panel component 1240 may providean enterprise with access to customer targeting services, marketanalysis services, etc. Enterprise marketing analytics control panelcomponent 1240 may capture, for analytics processing, transaction dataat every process step within lifestyle application platform 230 thatinteracts with a consumer data element. Enterprise marketing analyticscontrol panel component 1240 may capture, for marketing analyticsprocessing, consumer data, such as demographic information, identityinformation, geographic information, transactional information, channelspecific contact information, campaign performances, etc. associatedwith consumers. Enterprise marketing analytics control panel component1240 may generate analytics reports based on the consumer data and/orbased on third party data received from enterprise devices 220.

For consumers who are customers of an enterprise, enterprise help deskcontrol panel component 1250 may retrieve consumer information, createconsumer profiles, update consumer profiles, retrieve consumer profiles,obtain a status of a consumer, change the status of the consumer, etc.Enterprise help desk control panel component 1250 may enable anenterprise to retrieve accounts of a consumer, retrieve balanceinformation for a consumer account, retrieve transactions of a consumeraccount, etc.

Enterprise security control panel component 1260 may enable anenterprise to access UIS administrative functionality and to setsecurity preferences for the enterprise. Enterprise security controlpanel component 1260 may enable an enterprise to have search, auditing,and reporting capabilities for fraud and security log records of theenterprise. Enterprise security control panel component 1260 may enableenterprises to change lifestyle application platform 230 default loginduration settings.

Although FIG. 12 shows example functional components of enterpriseportal component 920, in other implementations, enterprise portalcomponent 920 may include fewer functional components, differentfunctional components, differently arranged functional components, oradditional functional components than depicted in FIG. 12. Additionally,or alternatively, one or more functional components of enterprise portalcomponent 920 may perform one or more other tasks described as beingperformed by one or more other functional components of enterpriseportal component 920.

FIG. 13 is a diagram of example functional components of enterpriseservices component 930 of lifestyle application platform 230 (FIG. 2).In one implementation, the functions described in connection with FIG.13 may be performed by one or more components of device 300 (FIG. 3) orby one or more devices 300. As shown in FIG. 13, enterprise servicescomponent 930 may include an enterprise payment services component 1300,an enterprise data exchange services component 1310, an enterpriseprofile procurement services component 1320, an enterprise databasemaintenance component 1330, an enterprise coupon management servicescomponent 1340, an enterprise referral management services component1350, an enterprise loyalty management services component 1360, anenterprise preference targeting tools component 1370, an enterprisetransaction value forecasting component 1380, and an enterprise fraudprevention component 1390.

Enterprise payment services component 1300 may enable an enterprise toreplenish the enterprise's accounts balance; debit the enterprise'saccounts balance; view, search, and sort the enterprise's payments; setinterface settings; request a refund for a payment; track collectionstatus of marketing exchange fees; etc. Enterprise payment servicescomponent 1300 may enable various payment methods to be imported for anenterprise, and may enable an enterprise to replenish the enterprise'saccount balance. Enterprise payment services component 1300 may enablean enterprise to debit the enterprise's account balance, and may capturea payment account transaction, for all purchases, in the form of adigital equivalent of a receipt.

Enterprise payment services component 1300 may enable an enterprise tosearch payment account transactions, sort payment account transactions,set interface preferences regarding how the enterprise searches, sorts,and interacts with payment method accounts, etc. Enterprise paymentservices component 1300 may enable an enterprise to request a refundfrom lifestyle application platform 230, and may notify an enterpriseabout a success or a failure of a payment. Enterprise payment servicescomponent 1300 may provide an e-commerce data conduit with a financialinstitution that shares an enterprise's e-payment data. Enterprisepayment services component 1300 may track all agreed upon fees forconsumer data record exchange, as well as a collection status of thosefees.

Enterprise data exchange services component 1310 may enable anenterprise to schedule data processing activities, such as datadownloading, data merging and/or purging, data cleansing, datasuppression, data fulfillment, etc. Enterprise data exchange servicescomponent 1310 may perform data merging/purging, may de-duplicateconsumer data records, and may compile the information into a singleflat file. The data cleansing may be performed against known, acceptabledata records. Enterprise data exchange services component 1310 maysuppress or omit a consumer data record from another consumer datarecord for consumers that opted out of marketing campaign data usage,are listed on government compiled privacy lists, have not paid forproducts or services, opted out of all marketing activities, etc.

Enterprise data exchange services component 1310 may suppress ofconsumer data provided by an enterprise within a marketing exchangecommunity, and may transmit compiled consumer data records to anauthorized third party, such as a mail house, an email fulfillmentprovider, a SMS provider, a list broker service, etc. Enterprise dataexchange services component 1310 may provide an enterprise with a statusview of all merge/purge, data cleanse, suppression and fulfillmentprocesses that pertain to the enterprise. Enterprise data exchangeservices component 1310 may provide an enterprise a detailed dataprocessing view that can be searched and sorted by campaign, marketingchannel, product/service, stage of data processing, etc.

Enterprise profile procurement services component 1320 may enable anenterprise to obtain data order counts, request a data order fromanother enterprise, track a data order, append documentation to a dataorder, review a data order from another enterprise, approve a dataorder, etc. Enterprise profile procurement services component 1320 mayenable enterprises to exchange consumer profile data with segmentationand criteria based data element selectivity. Enterprise profileprocurement services component 1320 may support consumer data recordselectivity based on demographics, purchase type, industry segmentation,income, purchase amount, purchase method, ethnicity, etc. Enterpriseprofile procurement services component 1320 may enable an enterprise toquery a database storing consumer data records by data recordselectivity.

Enterprise profile procurement services component 1320 may enable anenterprise to confirm and order a list of consumer data records for adefined marketing campaign from another enterprise. Enterprise profileprocurement services component 1320 may enable an enterprise to trackall list order requests that pertain to the enterprise, and to attachrequired documentation to a list order, such as marketing content, listrental agreement terms, an invoice, etc. Enterprise profile procurementservices component 1320 may enable an enterprise to review associatedlist order documentation and accept a list order request. Enterpriseprofile procurement services component 1320 may transmit data files fromone enterprise to another enterprise once a list order request has beenconfirmed, and may enable an enterprise to confirm a list order request.

Enterprise database maintenance component 1330 may enable an enterpriseto cleanse and update the enterprise's internal database attributes.Enterprise database maintenance component 1330 may link a consumeracross multiple enterprise devices 220 and/or lifestyle applicationplatform 230 so that when changes are made to the consumer's profile,the changes are made across multiple enterprise devices 220. Enterprisedatabase maintenance component 1330 may provide business rules thatestablish a priority for consumer profile data received from varioussources.

Enterprise coupon management services component 1340 may enable anenterprise to create a coupon, edit a coupon, copy a coupon, delete acoupon, publish a coupon, attach a coupon to a campaign, etc. A couponmay include a coupon name, a coupon description, a coupon code, a couponworkflow, a product/service name, a maximum number of offers, timingconditions, location information, etc. Enterprise coupon managementservices component 1340 may enable an enterprise to confirm a couponpublication action.

Enterprise referral management services component 1350 may enable anenterprise to request a referral partnership initiation (e.g., withanother enterprise), request a referral partnership termination, trackreferral requests, append documentation to a referral request, confirm areferral request, etc. Enterprise referral management services component1350 may enable an enterprise to request a referral partnershipinitiation for a defined marketing campaign with another enterprise. Thedocumentation appended to a referral request may include marketingcontent, referral program terms, a fee structure, etc. Enterprisereferral management services component 1350 may enable an enterprise toreview the referral request documentation, and to accept a referralinitiation request. Enterprise referral management services component1350 may transmit real-time transactional log data from one enterpriseto another enterprise once a referral initiation request has beenconfirmed. Enterprise referral management services component 1350 maytrack all agreed upon fees for referral program exchanges, as well asthe collection status of those fees.

Enterprise loyalty management services component 1360 may enable anenterprise to create a loyalty program, edit a loyalty program, copy aloyalty program, delete a loyalty program, publish a loyalty program,attach a loyalty program to a campaign, manage loyalty programregistration, manage points awards, manage benefit allocations, etc. Theloyalty program may include a loyalty program name, a loyalty programdescription, a loyalty program code, a loyalty program workflow,qualifying products/services, a maximum number of offers, a maximumnumber of points, an initial number of points, a valid time period forthe program, location information, etc.

Enterprise preference targeting tools component 1370 may provideanalytics tools for an enterprise to identify potential consumers formarketing activities for specific products, services, and/or content.Enterprise preference targeting tools component 1370 may provide toolsfor an enterprise to predict consumer value potential in terms ofresponse likelihood and lifetime value of new customers. Enterprisepreference targeting tools component 1370 may provide tools for anenterprise to perform campaign response analysis tying marketing effortsto consumer orders, with multiple forms of performance reporting.Enterprise preference targeting tools component 1370 may provide anenterprise with performance modeling tools for untapped markets,cross-sell opportunities, identification of “at risk” customers,prediction of future loyalty and churn, etc.

Enterprise transaction value forecasting component 1380 may providetools for an enterprise to specify market analytics report parametersand request market analytics reports. Enterprise transaction valueforecasting component 1380 may enable an enterprise to request dataenrichment of consumer data stored by lifestyle application platform230. Enterprise transaction value forecasting component 1380 may providetools for an enterprise to conduct customer profiling and analysisacross various anonymous or aggregate data categories, such asdemographic, self-identified, geographic, transactional, etc. datacategories. Enterprise transaction value forecasting component 1380 mayprovide reporting tools for an enterprise to evaluate the enterprise'smarketing exchange performance, and may provide reporting tools forplanning, budgeting, forecasting, and executing marketing campaigns andmeasuring response.

Enterprise fraud prevention component 1390 may enable an enterprise toaccess UIS administrative functionality and to set security preferencesfor the enterprise. Enterprise fraud prevention component 1390 mayenable an enterprise to have search, auditing, and reportingcapabilities for fraud and security log records of the enterprise and/orof consumers associated with the enterprise.

Although FIG. 13 shows example functional components of enterpriseservices component 930, in other implementations, enterprise servicescomponent 930 may include fewer functional components, differentfunctional components, differently arranged functional components, oradditional functional components than depicted in FIG. 13. Additionally,or alternatively, one or more functional components of enterpriseservices component 930 may perform one or more other tasks described asbeing performed by one or more other functional components of enterpriseservices component 930.

FIG. 14 is a diagram of example functional components of analyticscomponent 940 of lifestyle application platform 230 (FIG. 2). In oneimplementation, the functions described in connection with FIG. 14 maybe performed by one or more components of device 300 (FIG. 3) or by oneor more devices 300. As shown in FIG. 14, analytics component 940 mayinclude a predictive/decision analytics component 1400, a knowledgeconsumption component 1410, one or more analytics engines 1420, and oneor more decision engines 1430.

Predictive/decision analytics component 1400 may perform predictiveand/or decision analytics on data (e.g., consumer information 410 and/orenterprise information 420, FIG. 4) stored by lifestyle applicationplatform 230. The predictive analytics may include a variety oftechniques (e.g., modeling, machine learning, data mining, etc.) thatanalyze current and historical data to make predictions about futureevents. The predictive analytics may exploit patterns found inhistorical and transactional data to identify risks and opportunitiesfor enterprises. The predictive analytics may capture relationshipsamong many factors to allow assessment of risk or potential associatedwith a particular set of conditions, which may guide decision making forcandidate transactions. The decision analytics may includes procedures,methods, and/or tools for identifying, representing, and assessingaspects of a decision, and for prescribing a recommended course ofaction.

In one example implementation, predictive/decision analytics component1400 may utilize statistics 1440, clustering 1445, classification 1450,and/or prediction 1455 to make predictions (e.g., about consumerbehavior). Statistics 1440 may include collecting, organizing,analyzing, interpreting, and presenting data. Clustering 1445 mayinclude assigning a set of data into groups (e.g., clusters) so thatdata in the same cluster may be more similar to each other than to datain other clusters. In one example, clustering 1445 may be used inconjunction with explorative data mining. Classification 1450 mayinclude identifying to which set of categories (e.g., classifications) anew data observation belongs based on a training set of data containingdata with a known category membership. Prediction 1455 may includeanalyzing current and historical data to make predictions about futureevents (e.g., consumer behavior).

Knowledge consumption component 1410 may utilize the data stored bylifestyle application platform 230 to generate triggers 1460, reports1465, services 1470, and/or dashboards 1475. Triggers 1460 may includemechanisms that cause lifestyle application platform 230 to pushinformation (e.g., offers, notifications, marketing campaigns, etc.) toconsumers (e.g., via user devices 210). Reports 1465 may includeanalytics reports, marketing reports, sales reports for products,services, and/or content, etc. Services 1470 may include any of theservices described herein for lifestyle application platform 230. Forexample, services 1470 may include program management services, privacymanagement services, an offers service, loyalty services, digitalpayment services, etc. Dashboards 1475 may include any of the dashboardsdescribed herein for lifestyle application platform 230. For example,dashboards 1475 may include the consumer dashboard provided by consumerportal component 900, the enterprise dashboard provided by enterpriseportal component 920, etc.

Analytics engine 1420 may provide advanced and continuous analysis ofreal-time information and historical data retrieved and/or received bylifestyle application platform 230. Analytics engine 1420 may analyzedata from multiple information sources and may provide insight intoconsumer behavior.

Decision engine 1430 may use data received from consumers (e.g.,consumer information 410, FIG. 4) and/or enterprises (e.g., enterpriseinformation 420, FIG. 4) to provide more relevant or targeted offers forproducts, services, and/or content. Decision engine 1430 may use suchdata to provide customized offers for each consumer.

Although FIG. 14 shows example functional components of analyticscomponent 940, in other implementations, analytics component 940 mayinclude fewer functional components, different functional components,differently arranged functional components, or additional functionalcomponents than depicted in FIG. 14. Additionally, or alternatively, oneor more functional components of analytics component 940 may perform oneor more other tasks described as being performed by one or more otherfunctional components of analytics component 940.

FIG. 15 is a diagram of example functional components of dataintegration component 960 of lifestyle application platform 230 (FIG.2). In one implementation, the functions described in connection withFIG. 15 may be performed by one or more components of device 300 (FIG.3) or by one or more devices 300. As shown in FIG. 15, data integrationcomponent 960 may include a metadata component 1500, an enrichmentcomponent 1510, a transformation component 1520, an aggregationcomponent 1530, an ETL component 1540, a cleansing component 1550, avalidation component 1560, and a harmonization component 1570.

Metadata component 1500 may create metadata for some or all of the dataretrieved and/or received by lifestyle application platform 230. In oneexample, the quality of the original data may be increased by creatingmetadata for the data.

Enrichment component 1510 may add external information, from multiplesources, to the data retrieved/received by lifestyle applicationplatform 230. The external information may enhance the quality andrichness of the data, and may provide more information to enterprises(e.g., about consumers).

Transformation component 1520 may convert the data retrieved/received bylifestyle application platform 230 from a first data format into asecond, different data format. In one example, the data may betransformed into a format that may be utilized by user devices 210and/or enterprise devices 220.

Aggregation component 1530 may aggregate the data retrieved/received bylifestyle application platform 230 into a summary form for a variety ofpurposes (e.g., statistical analysis, obtain more information aboutparticular consumers based on specific variables, such as age,profession, income, etc.).

ETL component 1540 may extract data (e.g., the data retrieved/receivedby lifestyle application platform 230) from outside sources, maytransform the data to fit operational needs (e.g., of the enterprises),and may load the data into an end target (e.g., a database, anoperational data store, a data mart, a data warehouse, etc.).

Cleansing component 1550 may detect and correct (or remove) corrupt orinaccurate records from the data retrieved/received by lifestyleapplication platform 230. In one example, cleansing component 1550 mayidentify incomplete, incorrect, inaccurate, irrelevant, etc. parts ofthe data, and may replace, modify, or delete the identified parts of thedata.

Validation component 1560 may use routines (e.g., validation rules,check routines, etc.) to check for correctness, meaningfulness, andsecurity of the data retrieved/received by lifestyle applicationplatform 230. The routines may be implemented through automatedfacilities of a data dictionary or by inclusion of explicit applicationprogram validation logic.

Harmonization component 1570 may compare two or more data records (e.g.,from the data retrieved/received by lifestyle application platform 230),and may identify commonalities among the data records that warrant thedata records being combined, or harmonized, into a single data record.

Although FIG. 15 shows example functional components of data integrationcomponent 960, in other implementations, data integration component 960may include fewer functional components, different functionalcomponents, differently arranged functional components, or additionalfunctional components than depicted in FIG. 15. Additionally, oralternatively, one or more functional components of data integrationcomponent 960 may perform one or more other tasks described as beingperformed by one or more other functional components of data integrationcomponent 960.

FIG. 16 is a diagram of example data that may be provided in datasources component 970 of lifestyle application platform 230 (FIG. 2). Asshown in FIG. 16, data sources component 970 may include internal data1600 and external data 1610.

Internal data 1600 may include data associated with consumers and/oruser devices 210 utilized by consumers. For example, internal data 1600may include consumer profiles 1620, consumer transactions 1625, UISinformation 1630, mobile application usage information 1635, mobile webusage information 1640, and mobile device usage information 1645.Consumer profiles 1620 may include information associated with profilescreated by consumers as described herein. Consumer transactions 1625 mayinclude transactions performed by consumers with lifestyles applicationplatform 230, as described herein. UIS information 1630 may includeidentity services information provided by a UIS. Mobile applicationusage information 1635 may include information associated with usage ofthe lifestyle application by consumers (e.g., via user devices 210).Mobile web usage information 1640 may include information associatedwith web usage by consumers (e.g., via user devices 210). Mobile deviceusage information 1645 may include information associated with usage ofuser devices 210 by consumers.

External data 1610 may include data associated with enterprises,enterprise devices 220 utilized by enterprises, and/or third parties.For example, external data 1610 may include member profiles 1650,loyalty profiles 1655, and third party source data 1660. Member profiles1650 may include information associated with profiles created byenterprises via lifestyle application platform 230. Loyalty profiles1655 may include information associated with consumer loyalty profilesfor enterprises associated with lifestyle application platform 230.Third party source data 1660 may include data provided by third partiesto lifestyle application platform 230, such as marketing reports,consumer information, sales reports for products, services, and/orcontent, etc.

Although FIG. 16 shows example data that may be provided in data sourcescomponent 970, in other implementations, data sources component 970 mayinclude less data, different data, differently arranged data, oradditional data than depicted in FIG. 16.

FIGS. 17 and 18 are flow charts of an example process 1700 for providinga lifestyle application platform according to an implementationdescribed herein. In one implementation, process 1700 may be performedby lifestyle application platform 230. Alternatively, or additionally,some or all of process 1700 may be performed by another device or groupof devices, including or excluding lifestyle application platform 230.

As shown in FIG. 17, process 1700 may include receiving preference,demographic, identity, relationship, and location information associatedwith consumer (block 1710), and creating a consumer profile and singleauthentication ID for the consumer based on the consumer information(block 1720). For example, in an implementation described above inconnection with FIG. 4, a consumer may provide consumer information 410to user device 210. Consumer information 410 may include brandpreferences, demographic information, identity information, relationshipinformation, etc. associated with the consumer. User device 210 may addinformation to consumer information 410, such as location informationand/or capability information associated with user device 210. Userdevice 210 may provide consumer information 410 to lifestyle applicationplatform 230. Lifestyle application platform 230 may receive consumerinformation 410, and may create a consumer profile and a singleauthentication ID for the consumer based on consumer information 410.The single authentication ID may include a password, a thumbprint, avoice command, a retinal scan, etc. associated with the consumer.

As further shown in FIG. 17, process 1700 may include receiving consumerinteraction, transaction, and wish list information associated with anenterprise (block 1730), and performing an analysis of the consumerinformation and the enterprise information (block 1740). For example, inan implementation described above in connection with FIG. 4, lifestyleapplication platform 230 may receive enterprise information 420, and mayanalyze consumer information 410 and enterprise information 420. In oneexample, lifestyle application platform 230 may compare consumerinformation 410 and enterprise information 420, and may determinewhether any portion of consumer information 410 matches any portion ofenterprise information 420. For example, if consumer information 410indicates that the consumer is interested in a particular productoffered by the enterprise, lifestyle application platform 230 maydetermine that information associated with the particular product shouldbe provided to the consumer.

Returning to FIG. 17, process 1700 may include providing relevantnotifications, reports, and offers to the consumer based on the analysis(block 1750), and providing relevant consumer profile data to theenterprise based on the analysis (block 1760). For example, in animplementation described above in connection with FIG. 4, based on theanalysis, lifestyle application platform 230 may generate, fromenterprise information 420, enterprise information 430 (e.g.,notifications, reports, offers, etc. for products, services, and/orcontent provided by the enterprise) relevant to the consumer. Lifestyleapplication platform 230 may provide the relevant enterprise information430 to user device 210, and user device 210 may display the relevantenterprise information 430 to the consumer. Based on the analysis,lifestyle application platform 230 may generate, from consumerinformation 410, consumer information 440 (e.g., consumer profile data)relevant to the enterprise. Lifestyle application platform 230 mayprovide the relevant consumer information 440 to enterprise device 220,and enterprise device 220 may display the relevant consumer information440 to a user associated with the enterprise.

Process block 1740 may include the process blocks depicted in FIG. 18.As shown in FIG. 18, process block 1740 may include associating theconsumer information with the enterprise information (block 1800), anddetermining an appropriate product, service, and/or content to provideto the consumer based on the association (block 1810). For example, inan implementation described above in connection with FIG. 4, lifestyleapplication platform 230 may associate consumer information 410 withenterprise information 420 by comparing consumer information 410 withenterprise information 420. Lifestyle application platform 230 maydetermine an appropriate product, service, and/or content to provide tothe consumer based on the association of consumer information 410 withenterprise information 420. In some implementations, lifestyleapplication platform 230 may determine the most appropriate product,service, and/or content to provide to the consumer, based on availableproducts, services, and/or content.

FIGS. 19A-19H are diagrams of example user interfaces 1900-1970 that maybe generated or provided by user device 210 (e.g., via the lifestyleapplication). User interfaces 1900-1970 may include graphical userinterfaces (GUIs) or non-graphical user interfaces, such as text-basedinterfaces. User interfaces 1900-1970 may provide information to usersvia customized interfaces (e.g., proprietary interfaces) and/or othertypes of interfaces (e.g., browser-based interfaces, etc.). Userinterfaces 1900-1970 may receive user inputs via one or more inputdevices, may be user-configurable (e.g., a user may change the sizes ofuser interfaces 1900-1970, information displayed in user interfaces1900-1970, color schemes used by user interfaces 1900-1970, positions oftext, images, icons, windows, etc., in user interfaces 1900-1970, etc.),and/or may not be user-configurable. Information associated with userinterfaces 1900-1970 may be selected and/or manipulated by a consumerassociated with user device 210 (e.g., via a touch screen display, amouse, a keyboard, a keypad, voice commands, etc.).

In one example, user interfaces 1900-1970 may depict informationassociated with a hotel check in scenario. Assume that the consumerassociated with user device 210 previously reserved a room at aparticular hotel (e.g., M Hotels) via lifestyle application platform230. Accordingly, lifestyle application platform 230 may store all ofthe information associated with the consumer's reservation. Lifestyleapplication platform 230 may interact with user device 210 to provideinformation displayed in one or more of user interfaces 1900-1970.

When the consumer approaches the hotel with user device 210, locationinformation associated with user device 210 may trigger lifestyleapplication platform 230 to provide a notification to user device 210.For example, as shown in FIG. 19A, the notification may cause userdevice 210 to display user interface 1900. User interface 1900 maydisplay a notification asking whether the consumer wishes to check intothe hotel (e.g., “Hi Mary Wise. Welcome to M New York. Are you ready tocheck in?”) If the consumer selects “Check In” on user interface 1900,user interface 1910 of FIG. 19B may be displayed to the consumer. Userinterface 1910 may display a “check in now” window to the consumer.

If the consumer selects the “check in now” window of FIG. 19B, userinterface 1920 of FIG. 19C may be displayed to the consumer. Userinterface 1920 may request that the consumer provide a thumbprint (orsome other verification mechanism) to verify an identity of theconsumer. If the consumer provides a thumbprint and lifestyleapplication platform 230 verifies the consumer thumbprint, userinterface 1930 of FIG. 19D may be displayed to the consumer. Userinterface 1930 may provide the consumer with an option to receive anelectronic room key or to unlock the door to the consumer's hotel room.Since the consumer does not have the electronic room key yet, theconsumer may elect to receive the electronic room key.

When the consumer elects to receive the electronic room key, lifestyleapplication platform 230 may provide the electronic room key to userdevice 210 and user interface 1940 of FIG. 19E may be displayed to theconsumer. User interface 1940 may indicate that user device 210 hasreceived the electronic room key and that the electronic room key isready for use. Lifestyle application platform 230 may provideinformation associated with the reservation in user interface 1950 ofFIG. 19F. User interface 1950 may display, to the consumer, a roomnumber (e.g., Room #222), an option to call the front desk, directions,an option to open the door to the room, etc. If the user selects theoption to open the door to the room, user interface 1960 of FIG. 19G maybe displayed to the consumer. User interface 1960 may provide theconsumer with option to receive an electronic room key or to unlock thedoor to the consumer's hotel room. Since the consumer has the electronicroom key, the consumer may elect to unlock the door to the hotel room.When the consumer elects to unlock the door, the consumer may tap userdevice 210 against a lock of the door, and the electronic room key(e.g., provided to user device 210) may unlock the door. Once the dooris unlocked, lifestyle application platform 230 may cause user interface1970 of FIG. 19H to be displayed to the consumer (e.g., via user device210). User interface 1970 may provide details about the room (e.g., arate per night, check-in and check-out dates, etc.) and otherinformation (e.g., maps, directions, phone numbers, etc.).

Although user interfaces 1900-1970 depict a variety of information, inother implementations, user interfaces 1900-1970 may depict lessinformation, different information, differently arranged information,and/or additional information than depicted in FIGS. 19A-19H.

Systems and/or methods described herein may provide a lifestyleapplication platform that links identity, mobile, social, location,payment, and commerce services to anticipate a consumer's needs and toproactively recommend appropriate and customized products, services,and/or content to the consumer. The lifestyle application platform mayenable the enterprises to deliver the right products, services, and/orcontent to consumers, may improve ARPU for the enterprises, and maylower costs of consumer acquisition and retention. Consumers, via thelifestyle application platform, may obtain more control over theirpersonal information, may receive less unsolicited spam, and may beprovided with simple and safe access (e.g., via a single authenticationID) to their favorite brands of products, services, and/or content.

The foregoing description of implementations provides illustration anddescription, but is not intended to be exhaustive or to limit theinvention to the precise form disclosed. Modifications and variationsare possible in light of the above teachings or may be acquired frompractice of the invention.

For example, while series of blocks have been described with regard toFIGS. 17 and 18, the blocks and/or the order of the blocks may bemodified in other implementations. Further, non-dependent blocks may beperformed in parallel.

It will be apparent that example aspects, as described above, may beimplemented in many different forms of software, firmware, and hardwarein the implementations illustrated in the figures. The actual softwarecode or specialized control hardware used to implement these aspectsshould not be construed as limiting. Thus, the operation and behavior ofthe aspects were described without reference to the specific softwarecode—it being understood that software and control hardware could bedesigned to implement the aspects based on the description herein.

Even though particular combinations of features are recited in theclaims and/or disclosed in the specification, these combinations are notintended to limit the disclosure of the possible implementations. Infact, many of these features may be combined in ways not specificallyrecited in the claims and/or disclosed in the specification. Althougheach dependent claim listed below may directly depend on only one otherclaim, the disclosure of the possible implementations includes eachdependent claim in combination with every other claim in the claim set.

No element, act, or instruction used in the present application shouldbe construed as critical or essential to the invention unless explicitlydescribed as such. Also, as used herein, the articles “a” and “an” areintended to include one or more items and may be used interchangeablywith “one or more.” Where only one item is intended, the term “one” orsimilar language is used. Further, the phrase “based on” is intended tomean “based, at least in part, on” unless explicitly stated otherwise.

What is claimed is:
 1. A method, comprising: receiving, by one or moredevices, consumer information from a user device associated with aconsumer, the consumer information including preference information,demographic information, identity information, relationship information,transactional information, and location information associated with theconsumer; creating, by the one or more devices, a consumer profile forthe consumer based on the consumer information; receiving, by the one ormore devices, enterprise information from an enterprise deviceassociated with an enterprise, the enterprise information includingconsumer interaction information, consumer transaction information, andconsumer wish list information associated with the enterprise;performing, by the one or more devices, an analysis of the consumerinformation and the enterprise information; and providing, by the one ormore devices and to the user device, notifications, reports, and offers,associated with the enterprise and relevant to the consumer, based onthe analysis of the consumer information and the enterprise information.2. The method of claim 1, further comprising: creating a singleauthentication identification for the consumer based on the consumerinformation; and providing the notifications, the reports, and theoffers to the user device based on verifying the single authenticationidentification.
 3. The method of claim 1, further comprising: providingrelevant consumer profile data to the enterprise device based on theanalysis of the consumer information and the enterprise information. 4.The method of claim 1, where performing the analysis of the consumerinformation and the enterprise information comprises: associating theconsumer information with the enterprise information; and determining,based on the association, an appropriate product, service, or content,of the enterprise, to offer to the consumer.
 5. The method of claim 1,where performing the analysis of the consumer information and theenterprise information comprises: comparing the consumer informationwith the enterprise information; and determining, based on thecomparison, whether any portion of the consumer information matches anyportion of the enterprise information.
 6. The method of claim 1, wherethe identity information includes at least one of: anonymous identityinformation associated with the consumer, pseudonymous identityinformation associated with the consumer, or legal identity informationassociated with the consumer.
 7. The method of claim 1, where thepreference information includes preferences, of the consumer, forproducts, services, or content offered by the enterprise.
 8. One or moredevices, comprising: one or more processors to: receive consumerinformation from a user device associated with a consumer, the consumerinformation including preference information, demographic information,identity information, relationship information, transactionalinformation, and location information associated with the consumer,create a consumer profile for the consumer based on the consumerinformation, receive enterprise information from an enterprise deviceassociated with an enterprise, the enterprise information includingconsumer interaction information, consumer transaction information, andconsumer wish list information associated with the enterprise, performan analysis of the consumer information and the enterprise information,and provide, to the user device, notifications, reports, and offers,associated with the enterprise and relevant to the consumer, based onthe analysis of the consumer information and the enterprise information.9. The one or more devices of claim 8, where the one or more processorsare further to: create a single authentication identification for theconsumer based on the consumer information, and provide thenotifications, the reports, and the offers to the user device based onverifying the single authentication identification.
 10. The one or moredevices of claim 8, where the one or more processors are further to:provide relevant consumer profile data to the enterprise device based onthe analysis of the consumer information and the enterprise information.11. The one or more devices of claim 8, where, when performing theanalysis of the consumer information and the enterprise information, theone or more processors are further to: associate the consumerinformation with the enterprise information, and determine, based on theassociation, an appropriate product, service, or content, of theenterprise, to offer to the consumer.
 12. The one or more devices ofclaim 8, where, when performing the analysis of the consumer informationand the enterprise information, the one or more processors are furtherto: compare the consumer information with the enterprise information,and determine, based on the comparison, whether any portion of theconsumer information matches any portion of the enterprise information.13. The one or more devices of claim 8, where the identity informationincludes at least one of: anonymous identity information associated withthe consumer, pseudonymous identity information associated with theconsumer, or legal identity information associated with the consumer.14. The one or more devices of claim 8, where the preference informationincludes preferences, of the consumer, for products, services, orcontent offered by the enterprise.
 15. A computer-readable medium,comprising: one or more instructions that, when executed by one or moreprocessors, cause the one or more processors to: receive consumerinformation from a user device associated with a consumer, the consumerinformation including preference information, demographic information,identity information, relationship information, transactional, andlocation information associated with the consumer, create a consumerprofile for the consumer based on the consumer information, receiveenterprise information from an enterprise device associated with anenterprise, the enterprise information including consumer interactioninformation, consumer transaction information, and consumer wish listinformation associated with the enterprise, perform an analysis of theconsumer information and the enterprise information, and provide, to theuser device, notifications, reports, and offers, associated with theenterprise and relevant to the consumer, based on the analysis of theconsumer information and the enterprise information.
 16. Thecomputer-readable medium of claim 15, further comprising: one or moreinstructions that, when executed by the one or more processors, causethe one more processors to: create a single authenticationidentification for the consumer based on the consumer information, andprovide the notifications, the reports, and the offers to the userdevice based on verifying the single authentication identification. 17.The computer-readable medium of claim 15, further comprising: one ormore instructions that, when executed by the one or more processors,cause the one more processors to: provide relevant consumer profile datato the enterprise device based on the analysis of the consumerinformation and the enterprise information.
 18. The computer-readablemedium of claim 15, where the one or more instructions, that cause theone or more processors to perform the analysis of the consumerinformation and the enterprise information, further cause the one ormore processors to: associate the consumer information with theenterprise information, and determine, based on the association, anappropriate product, service, or content, of the enterprise, to offer tothe consumer.
 19. The computer-readable medium of claim 15, where theone or more instructions, that cause the one or more processors toperform the analysis of the consumer information and the enterpriseinformation, further cause the one or more processors to: compare theconsumer information with the enterprise information, and determine,based on the comparison, whether any portion of the consumer informationmatches any portion of the enterprise information.
 20. Thecomputer-readable medium of claim 15, where the identity informationincludes at least one of: anonymous identity information associated withthe consumer, pseudonymous identity information associated with theconsumer, or legal identity information associated with the consumer.